Extracted from source documents

Atlas Insurance Casco (own-damage car insurance) (Motoring Policy Comprehensive)

Underwritten by Atlas Insurance PCC Limited · Malta

casco (own-damage car insurance) from Atlas Insurance for the Malta market, with 24/7 assistance.

Verified Aug 30, 2026 · Terms dated 2024-04-01Sources

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Key facts

Atlas Insurance

Unique selling points

Free 24-hour roadside assistance via Atlas RoadAssist is included as standard with comprehensive private car and motorcycle policies.

Free GAP cover for brand new vehicles pays up to 110% of the purchase price in the first 12 months if the vehicle is written off.

Electric vehicle drive-battery damage from a short-circuit is covered up to €20,000, plus up to €1,000 for battery scrapping and decontamination.

No Claim Discount is automatically protected once a policyholder reaches the maximum 65% level in the 6th year.

Comprehensive and Third Party Fire & Theft policies include a free 30-day extension of own damage, fire and theft cover when travelling across the EEA, UK, Switzerland, Andorra and San Marino.

Coverage limits

Covered

Own Damage Cover

100% of insured sum

Comprehensive cover pays for accidental damage to the insured vehicle, settled on the insured's estimate of value or the market value at the time of loss, whichever is lower. Should repair costs be very high compared to the market value, the vehicle may be deemed not viable to repair and a settlement amount agreed instead.

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Section: What is insured?

Should repairs be very high compared to the market value, the vehicle may not be viable to repair and a settlement amount is agreed with you.

Covered

Total Loss Settlement

110% of insured sum

Total loss is settled at the lower of the insured's estimated value or market value at time of loss. A free GAP concession increases the payout to 110% of the purchase price for brand new vehicles in the first 12 months, provided repairs would exceed 60% of the purchase price.

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Section: What is insured?

Free Gap cover for brand new vehicles for the first 12 months up to 110% of the value;

Covered

Partial Damage Repair

Covered

Repair costs for partial (non-write-off) accidental damage are covered under comprehensive cover. If repairs are very high compared to the market value, the vehicle may be deemed not viable to repair and a settlement amount is agreed instead.

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Section: What is insured?

Should repairs be very high compared to the market value, the vehicle may not be viable to repair and a settlement amount is agreed with you.

Covered

Theft and Attempted Theft

100% of insured sum

Comprehensive and Third Party Fire & Theft policies cover loss or damage from theft and attempted theft, settled at the lower of the insured's estimate or market value at time of loss. Claims are excluded if the vehicle was not properly locked at the time of theft.

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Section: What is not insured?

following theft or attempted theft if the motor vehicle is not properly locked;

Covered

Windscreen and Window Damage

€1K

Accidental damage to windscreens and windows is covered up to €1,000 as a free additional benefit under private comprehensive policies.

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Section: What is insured?

Accidental damage to windscreens and windows up to €1,000;

Covered

Flood and Convulsion of Nature

Covered

Flood and convulsion of nature damage is a free additional benefit under private comprehensive policies (also applicable to commercial comprehensive cover); private motorcycles are excluded from flood and convulsion of nature damage.

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Section: What is insured?

Flood and convulsion of nature damage (also applicable to commercial comprehensive cover);

Covered

Malicious Damage / Vandalism

Covered

Comprehensive cover for private cars includes accidental and malicious damage in addition to fire, theft, floods and storms.

Section: Motor Insurance Frequent Questions > Insurance Cover

Comprehensive Cover for Private Cars covers your car for accidental and malicious damage, fire, theft, floods and storms together with the following FREE benefits:

Covered

24-Hour Roadside Assistance

Covered

Free 24-hour roadside assistance provided by Atlas RoadAssist (by RMF) is included as a standard benefit with comprehensive private car and motorcycle policies; it is available at a discounted rate as optional cover for other policy classes, and European Roadside Assistance can be purchased to extend cover outside Malta.

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Section: What is insured? > Additional free cover for private comprehensive policies

Free roadside assistance;

Conditional

Courtesy Car

€100 – €250

A free €100 courtesy car is provided following an accident for private comprehensive policyholders with maximum No Claim Discount (also while awaiting parts if the car cannot be safely driven); a free €250 courtesy car applies if the vehicle is written off due to fire or theft. Higher optional limits of €250, €350 and €475 are available at an additional charge, also for commercial vehicles.

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Section: What is insured?

Free Courtesy Car up to €250 if the vehicle is written off due to fire or theft;

Covered

Personal Accident and Medical Expenses (Passengers)

Covered

Personal accident and medical expenses cover for passengers is included as a free additional benefit under private comprehensive policies; no specific monetary limit is stated in the summary documentation.

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Section: What is insured?

Personal Accident and medical expenses to passengers;

Key conditions

Driver age and experience limit

No excess is payable for third party liability claims when the vehicle is driven by a driver aged 25 or over; drivers under 25 face higher excesses ranging from €75 to €500.

Repair network requirements

Repairs must be carried out by a repairer included on the approved list of the Malta Competition and Consumer Affairs Authority; policyholders may choose any approved repairer.

Anti-theft requirements

Claims following theft or attempted theft are not covered if the motor vehicle was not properly locked at the time of the incident.

Claim notification deadline

You must notify Atlas as soon as reasonably possible of any claim or incident that might lead to a claim, and provide the required completed claim forms, reports and quantification of the claim.

Deductible rules

A standard excess of €50 applies to own damage, fire and theft claims for drivers 25 or over; this can be increased to €100 or €200 for a premium discount, or removed at an additional charge. No excess applies to third party liability claims for drivers aged 25 or over; drivers under 25 face excesses ranging €75-€500.

Direct payment

Payment must be made before cover commences on a new policy or renewal; premiums are paid annually and accepted by cash, cheque, credit card or debit card. If insured through an intermediary or broker, payment is made to them.

Territorial scope

Third party liability cover applies automatically while driving in all EEA countries, the UK, Switzerland, Andorra and San Marino. Own damage, fire and theft cover must be purchased to be operative outside Malta; a free 30-day extension is included annually for private cars. A green card is required outside the EU and cover is not usually available outside Europe.

Documents

Motor Insurance (Motoring Policy) - Insurance Product Information Document (opens in a new tab)

Product information sheet · PDF

Motor Policy Wording (opens in a new tab)

Terms & conditions · PDF

Atlas Motor Insurance Product Page (opens in a new tab)

Policy specifics

Free Courtesy Car

€100 free courtesy car provided during repairs of private cars, including while awaiting parts if the car cannot be driven

Source

Section: Flexible cover options to put you in the drivers’ seat > What's Covered

€100 free courtesy car during repairs of private cars (also while awaiting parts if the car cannot be driven)

Refund of Unrecovered Road Licence Fee

Refund of unrecovered road licence fee when the car is written off following a claim

Source

Section: Flexible cover options to put you in the drivers’ seat > What's Covered

Refund of unrecovered road licence fee from when the car is written off

Electric Vehicle Battery Coverage

Coverage up to €20,000 or market value (whichever is lower) for damage to electric car drive battery following short-circuit, plus up to €1,000 for battery scrapping and decontamination

Source

Section: FAQs

This benefit provides cover up to €20,000 or the market value at the time (whichever is the lower) for damage to your electric car following a short-circuit to the drive battery and up to €1,000 for scrapping of the drive battery and/or decontamination of your electric car following accidental loss or damage covered by the policy.

No Claim Discount Protection

No Claim Discount is automatically protected on reaching 65% (6th year). Protection on the 4th and 5th year of No Claim Discount is available at an additional charge.

SourcePage 1

Section: What is insured? > Optional benefits at an additional charge - private comprehensive policies

Protection of No Claim Discount (available on the 4th & 5th year of your No Claim Discount);

Free European Travel Cover

Free 30 days cover during annual policy when travelling within EEA, UK, Switzerland, Andorra and San Marino

Source

Section: Motor Insurance Frequent Questions > Insurance Cover

Our private car & motorcycle comprehensive and third party fire and theft covers offer free 30 days cover during the annual policy cover when travelling within the EEA, the UK, Switzerland, Andorra and San Marino.

Standard Excess for Private Cars

No excess for third party liability claims for private cars when driven by drivers aged 25 or over

Source

Section: Motor Insurance Frequent Questions > Damages & Claims

Atlas motor policies do not require an excess to be paid for third party liability claims involving private cars when driven by drivers aged 25 or over.

Vehicle Valuation Basis

Motor policies in Malta are based on market value at time of loss, not agreed value

Source

Section: Motor Insurance Frequent Questions > Insurance Cover

All motor policies in Malta do not cover vehicles on an agreed value. The policy usually states that the value of the vehicle must be the market value at the time of the loss.

Uninsured Third Party Protection

Refund of excess and no effect on No Claim Discount when third party is uninsured and at fault

Source

Section: Flexible cover options to put you in the drivers’ seat > What's Covered

Refund of Excess and no effect on No Claim Discount when the third party is uninsured and at fault

Fault Determination Procedure

Atlas handles fault determination and claim settlement, including potential arbitration or court referral for complex claims

Source

Section: Motor Insurance Frequent Questions > Damages & Claims

If the accident is more complex and the persons involved cannot agree, this case may be referred to arbitration or to Court. In such cases you will have our guidance throughout the whole process

Approved Repair Network

Repairs must be carried out by repairers included on the approved list by Malta Competition and Consumer Affairs Authority

Source

Section: Motor Insurance Frequent Questions > Damages & Claims

The repairer must be included on the approved list by the Malta Competition and Consumer Affairs Authority.

Third Party Liability Limits

Standard liability limits: €1,300,000 for property damage and €6,450,000 for injuries or death to third parties

Source

Section: Motor Insurance Frequent Questions > Insurance Cover

The standard limits of liability are €1,300,000 for property damage and €6,450,000 for injuries or death to third parties.